Foster Grace Insurance Agency Inc Bloghttp://www.fostergrace.com/blog/View Foster Grace Insurance Agency Inc's Website Blogen-uspostmaster@e10093cf-f902-4930-b71c-86a89d0d217c.insurancewebsitebuilder.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:39feca5a-0e4d-4ce5-86ad-5f9b1f5eecf7urn:uuid:6e880b41-96ba-4e36-8c47-46bb51ac9653http://www.fostergrace.com/blog/driving-in-ice-and-snow.aspxDriving In Ice and SnowToday Winter Storm Inga brought snow to us here in North Carolina.&nbsp; Snow and sleet covered the ground in all 50 states today, partially clinched by Inga's sweep through the South and East.&nbsp; Driving proved treacherous for some.&nbsp; If you ...Wed, 17 Jan 2018 22:06:47 -0600<p><strong>Today Winter Storm Inga brought snow to us here in North Carolina.&nbsp; Snow and sleet covered the ground in all 50 states today, partially clinched by Inga's sweep through the South and East.&nbsp; Driving proved treacherous for some.&nbsp; If you must drive in ice or snow be prepared with the below tips.</strong></p>
<p> "Prevent a skid before it happens"</p>
<p> Preventing a skid is far, far more important than any attempt to recover from one, says Wren. "Needing to attempt a 'cure' is the result of bad driving, and such attempts are by no means a guarantee that nobody will be hurt or killed &mdash; you or somebody else." Wren says the top causes of skidding are:</p>
<p> Driving too fast for the conditions</p>
<p>Braking too hard for the conditions</p>
<p>Accelerating too hard for the conditions</p>
<p>Steering too harshly for the conditions</p>
<p>Taking a curve or a turn too fast for the conditions</p>
<p>Falsely believing that SUVs and pickup trucks somehow have better grip which allows them to be driven faster in snow and ice conditions</p>
<p> In short, the best way to avoid a skid is to drive at sensible speeds, be prepared to slow down significantly if you are concerned about the</p>
<p>conditions, and use the vehicle controls (brakes, gas pedal, steering and clutch) gently and in a timely manner.</p>
<p> How to recover from a skid:</p>
<p> If you do find your vehicle in a skid, Wren tells drivers to remember the following:</p>
<p> Keep both hands on the wheel. If anyone &mdash; including a state driver's manual &mdash; ever tells you that if you skid you should select neutral, that advice is potentially very dangerous. Keep both hands on the wheel!If you can, remove the cause of the skid. (For example, if you skid because you accelerated too hard, come off the gas pedal.)Look where you want your car to go and keep looking there, even if your car starts to spin. Eye-hand coordination is incredibly important and incredibly powerful.For a rear-wheel or all-wheel skid in which your car starts to spin out of line, "Steer into the skid," which means steer to the same side the back end of the car is sliding towards. During a front-wheel skid, straighten the steering wheel.If you (almost certainly) do have ABS fitted to your vehicle, it is perfectly correct to follow the advice "Stomp and steer!" Remember that ABS is not there to help you stop sooner, it is a device that allows you to keep on steering while braking, and for that reason it is tremendously useful. "If you feel the brake pedal pulsing or fluttering under your foot, or you hear a sort of 'tattattattatta' noise while you are braking, that is just the ABS doing its job. Do not release the brake pedal unless there is some other unrelated and crucial reason to do so, which is immensely unlikely."</p>urn:uuid:ecfcf954-4a56-4bb6-bd83-70a24cb9f690http://www.fostergrace.com/blog/what-kind-of-life-insurance-do-you-need.aspxWhat Kind of Life Insurance Do You Need?Life insurance can seem like a maze with so many twists and turns. It can be so confusing&nbsp;choosing which&nbsp;type is the correct one for you. Sometimes you need more than one type. I ran across this article by Auto-Owners Insurance that might h...Fri, 03 Mar 2017 11:10:25 -0600<p>Life insurance can seem like a maze with so many twists and turns. It can be so confusing&nbsp;choosing which&nbsp;type is the correct one for you. Sometimes you need more than one type. I ran across this article by Auto-Owners Insurance that might help answer just a few basic questions and give you a starting point when considering life insurance. There are so many products to choose from but the&nbsp;first question is usually Permanent or Term. To help determine the answer, ask yourself&nbsp;why you are shopping for&nbsp;life insurance. The article certainly does not address all needs. That's when a simple call or visit to our office can give you more direction. Take a quick glance at the article and let me know what you think!<br />
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<p style="margin: 0in 0in 0pt; text-align: center;"><i><span style="font-family: 'Georgia','serif'; font-size: 16pt;">Permanent Versus Term Life Insurance</span></i></p>
<p style="margin: 0in 0in 0pt; text-align: left;"><em></em></p>
<p style="margin: 0in 0in 0pt; text-align: left;">&nbsp;</p>
<p style="margin: 0in 0in 0pt; text-align: left;"><span style="font-family: 'Georgia','serif';">When determining your need for life insurance, you need to know which policy is right for you.<br />
</span><span style="font-family: 'Georgia','serif';">It is important to understand the biggest differences between term and permanent life insurance when deciding which of these products will best provide you and your family with peace of mind.<br />
</span></p>
<p style="margin: 0in 0in 0pt; text-align: left;"><span style="font-family: 'Georgia','serif';">Term life insurance is a great way to protect your debt obligations without busting your budget. Term insurance doesn&rsquo;t generate cash value within the policy, which is why it costs less than other types of life insurance.</span></p>
<p style="margin: 0in 0in 0pt; text-align: left;"><span style="font-family: 'Georgia','serif';">Most term policies are designated to expire after a certain number of years of coverage. If the insured passes away during the coverage period, the death benefit is paid to the beneficiary.</span></p>
<p style="margin: 0in 0in 0pt; text-align: left;"><span style="color: black; font-family: 'Georgia','serif';">An example would be a woman who has $50,000 in student loans and had her parents cosign on her loans prior to graduation. This insured might consider term insurance, with her parents as the beneficiaries.</span></p>
<p style="margin: 0in 0in 0pt; text-align: left;"><span style="color: black; font-family: 'Georgia','serif';"><br />
Permanent life insurance is designed for a lifetime of changing insurance needs. </span></p>
<p style="margin: 0in 0in 0pt; text-align: left;"><span style="color: black; font-family: 'Georgia','serif';">Instead of having term coverage that lasts a certain number of years, insureds can rest easy knowing their permanent policy will never expire and will pay a death benefit to their beneficiary when they pass away. The average funeral cost in 2015 was approximately $7,181.00 (www.nfda.org).</span></p>
<p style="margin: 0in 0in 0pt; text-align: left;"><span style="color: black; font-family: 'Georgia','serif';">Traditionally with permanent insurance, insureds pay for the policy&rsquo;s level premiums until they pass away. Other products allow insureds to pay their permanent policy in full within a certain length of time, such as a 10- or 20-pay policy. The younger you are when you opt for a permanent life policy the better, because rates will be lower, and it&rsquo;s vital in protecting your insurability.</span></p>
<p style="margin: 0in 0in 0pt; text-align: left;"><span style="color: black; font-family: 'Georgia','serif';"><br />
If you understand the differences between term and permanent insurance, you may even decide that it&rsquo;s better to have both coverage options. A growing family, for example, may need enough death benefit to cover family and living expenses with term insurance, but might also consider an affordable final expense permanent policy for a low death benefit (such as $10,000) to cover funeral costs.</span></p>
<p style="margin: 0in 0in 0pt; text-align: left;"><span style="color: black; font-family: 'Georgia','serif';"><br />
&ldquo;In the end, it&rsquo;s not the years in your life that count. It&rsquo;s the life in your years.&rdquo; &ndash; Abraham Lincoln. Be prepared for whatever life gives you and ask us about life insurance today.</span></p>urn:uuid:c4e48f9e-efbe-42e1-9f2b-595bea8aafa3http://www.fostergrace.com/blog/why-a-12-month-auto-policy-save-money.aspxWhy a 12 month auto policy? Save money.Everyone is&nbsp;accustomed to that renewal coming every six months for your car insurance.&nbsp;Almost every&nbsp;time it comes, yep, it's a little higher than the&nbsp;last six months. There is an option. Call us if you would like to have&nbsp;a 1...Wed, 04 Jan 2017 08:08:10 -0600Everyone is&nbsp;accustomed to that renewal coming every six months for your car insurance.&nbsp;Almost every&nbsp;time it comes, yep, it's a little higher than the&nbsp;last six months. There is an option.<br />
<br />
Call us if you would like to have&nbsp;a 12 month policy quoted. Sometimes it is the six months just doubled. You're thinking 'that's no savings'. Actually, you have just saved yourself that six month term increase that sneaks in under the radar.<br />
There are other savings to be had as well. The paid-in-full discount can still be had. Some of the companies we represent will let you pay the annual premium in two payments with no additional fees.&nbsp;With automatic monthly payments, you do not incur any installment fees and avoid&nbsp;possible late fees.&nbsp;<br />
<br />
North Carolina is infamous for their statewide rate increases. Twelve month policies could hold that at bay. If the unfortunate accident or violation occurs, you will not feel the effects of that until the premium renews at the end of the policy period. That will affect your premiums for three years from the date of the incident. You have already 'locked in' your rate for a year, delaying the increase. Keep in mind that every individual is different as well as the circumstances that affect their rate. Your agent should contact you when your renewal is near.&nbsp;Remember, they work for you. They provide a service for you.&nbsp;<br />
<br />
If you do not have a relationship with an agent, maybe it's time you changed. We try to go the extra mile for our customers. We think it is important to be the face and the name that serves our customers to the best or our ability and with the utmost respect. Ever wonder where that person is on the other end of the line? We are right on Main Street in downtown Monroe. We work for you. Contact us if you would like to compare six and&nbsp;twelve month policies and rates.urn:uuid:f4b4f1c3-9d69-4265-ac3b-30944c1fd78dhttp://www.fostergrace.com/blog/new-years-eve-party-protect-yourself-and-your-guests.aspxNew Year's Eve Party? Protect Yourself and Your GuestsNew Year's Eve holds excitement and promise for the year to come. A grand welcoming to new choices and opportunities for things we dream of and&nbsp;goals we set&nbsp;for eminent success. We are able to look back over the past year and analyze our pe...Wed, 28 Dec 2016 11:39:56 -0600<p>New Year's Eve holds excitement and promise for the year to come. A grand welcoming to new choices and opportunities for things we dream of and&nbsp;goals we set&nbsp;for eminent success. We are able to look back over the past year and analyze our personal and professional accomplishments...and maybe a few things that we would like to forget. <br />
<br />
The best way to let our hair down and imagine fresh new beginnings is to gather with friends and celebrate the magical stroke of midnight. Be the perfect host with the perfect plan for the evening. Plan for EVERYTHING. Protect yourself and your guests. No one wants to be liable for accidents. You agent can help you with questions about your homeowners and umbrella policies. Are there any limitations to your policies?&nbsp;You might already have the coverage you need. <br />
<br />
The I.I.I. has compiled a list of great tips that should be considered if you are hosting a celebration that involves alcohol.<br />
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<li>Encourage guests to pick a designated driver who will refrain from drinking alcoholic beverages so that he or she can drive other guests home.</li>
<li>Consider hiring a professional bartender. Most bartenders are trained to recognize signs of intoxication and can limit consumption by partygoers.</li>
<li>Be a responsible host. Limit your own alcohol intake so that you will be better able to judge your guests&rsquo; sobriety.</li>
<li>Make non-alcoholic beverages available and always serve food. It is proven that food can help counter the effects of alcohol.</li>
<li>Do not pressure guests to drink or rush to refill their glasses when empty. And never continue to serve guests who are visibly intoxicated.</li>
<li>Stop serving liquor toward the end of the evening and switch to coffee, tea and soft drinks.</li>
<li>If guests drink too much or seem too tired to drive home, call a cab, arrange a ride with a sober guest or have them sleep at your home.</li>
<li>Encourage all your guests to wear seatbelts when they drive home. Studies show that seatbelts save lives.</li>
<li>&nbsp;UBER IS AWAYS AN OPTION.&nbsp;Get that app for you and your kids&nbsp;if they will be out.</li>
<p>A few other things to consider are:</p>
<li>&nbsp;Underage drinking</li>
<li>&nbsp;Harmful physical contact</li>
<li>&nbsp;Property Damage</li>
<p>We want your new year to begin as a clean slate for only happiness and prosperity. We wish you many blessings in the coming year.<br />
HAPPY NEW YEAR!!!<br />
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Sources: Insurance Information Institute Website</p>
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<p>&nbsp;</p>urn:uuid:43fb437e-ab81-4716-b9be-24e783d898edhttp://www.fostergrace.com/blog/winter-storm-action-plan-do-you-have-one.aspxWinter Storm Action Plan-Do You Have One?The time of year for winter storms is upon us. Maybe not as much here in the southeast as in other parts of the country. The tips for preparedness are the same. Most of us think of the rush for bread and milk.&nbsp;Generally speaking, in the Charlot...Thu, 15 Dec 2016 15:28:30 -0600The time of year for winter storms is upon us. Maybe not as much here in the southeast as in other parts of the country. The tips for preparedness are the same. <br />
Most of us think of the rush for bread and milk.&nbsp;Generally speaking, in the Charlotte area, we usually are inconvenienced for a couple of days.<br />
Maybe a couple more if you have kids in school. <br />
<br />
Just in case we do get a wicked week of winter blasting the area, it is best to be prepared.&nbsp;The basics we all consider are water and batteries.&nbsp;Not everyone has a generator, <br />
things like extra blankets, power banks for phones, first aid kits and tarps could be needed. Where do you keep your vital records? Are they accessible? <br />
Check with your neighbors and neighborhood pets prior to inclement weather. Have a plan for basic assistance for them as well just in case the need arises.<br />
<br />
We&nbsp;have attached a link with a great 'Winter Storm Action Plan' from Liberty Mutual. The procedures let you know what to do BEFORE, DURING AND AFTER.<br />
Please take the time to review this. Download it to your computer. It is great to reflect on later. Great to share with friends and family in other parts of the country.<br />
<br />
We care about you and your families. We are part of a community that cares.<br />
<br />
Click here to get prepared <a href="https://business.libertymutualgroup.com/business-insurance/Documents/Services/WinterThreatsGuide.pdf">WINTER ACTION PLAN</a><br />
<br />urn:uuid:16f4a741-4ec1-44dc-8d14-f3c658b284dbhttp://www.fostergrace.com/blog/year-end-tax-deduction-charitable-gifting.aspxYear End Tax Deduction-Charitable Gifting<img src='http://www.fostergrace.com/img/~www.fostergrace.com/AO,Charitable%20Giving,pg%202,50.jpg' align='left' />Wed, 14 Dec 2016 08:04:26 -0600<img alt="" src="/img/~www.fostergrace.com/AO,Charitable%20Giving,pg%202,50.jpg" />urn:uuid:3d8f6800-a04f-4ff1-afee-cec936350e8ehttp://www.fostergrace.com/blog/life-insurance-myths-and-truths-must-read.aspxLife Insurance: Myths and Truths MUST READ!!<img src='http://www.fostergrace.com/img/~www.fostergrace.com/AO%20Myths%20and%20Truths%20jpg%20smaller.jpg' align='left' />Wed, 30 Nov 2016 11:05:50 -0600<img alt="" src="/img/~www.fostergrace.com/AO%20Myths%20and%20Truths%20jpg%20smaller.jpg" />urn:uuid:33b22745-3c9e-4132-9012-d51b70a5c0c7http://www.fostergrace.com/blog/new-baby-this-year.aspxNew Baby This Year?There are so many things to consider when you bring home that new bundle of joy! Which diapers should I use? Should we use formula? Do we need daycare? We get so caught up in the new routine of managing the baby, work and home that we forget some of ...Tue, 22 Nov 2016 15:12:31 -0600There are so many things to consider when you bring home that new bundle of joy! Which diapers should I use? Should we use formula? Do we need daycare? We get so caught up in the new routine of managing the baby, work and home that we forget some of the financial matters that aren't part of our day-to-day activities. Some good news is that you have a new tax deduction!! YEAH!! <br />
Along with your year-end financial review, you need to ask yourself two additional questions:<br />
&nbsp;&nbsp;&nbsp;&nbsp;<br />
<span style="font-size: 18px;">&nbsp;&nbsp;&nbsp;&nbsp;</span><strong><span style="font-size: 18px;">1. <em>Do you have existing life insurance policies</em>?<br />
&nbsp;&nbsp;&nbsp;&nbsp;2. <em>Do you have enough life insurance</em>?</span></strong><br />
<br />
If you do not have life insurance, consider this. Your monthly income sustains your living expenses (food, utilities, etc.), mortgage payment, car payment, one or more credit cards and possibly student loans or medical bills. If your family was to lose that income, not only do you need to consider debt repayment, but who will provide the basic living expenses for the following month? The month following loss could be even more devastating. Who do your loved ones turn to for assistance? <strong><em><span style="text-decoration: underline;">Ask yourself these questions now.</span> </em></strong>It is never easy to think about your life without the ones you love, but it will be even harder to function with those unnecessary financial strains. <br />
<br />
Leave that burden behind! Give us a call and let us evaluate your true needs to protect your family! <em><span style="text-decoration: underline;"><strong>There is absolutely NO COST to you for a simple quote!</strong>&nbsp;</span></em><strong><em><span style="text-decoration: underline;">FIFTEEN MINUTES FOR PEACE OF MIND.....PRICELESS.<br />
<br />
</span></em>LET US HELP YOU PLAN FOR YOUR FAMILY'S SECURITY. CALL 704-289-6437. WE'VE GOT YOU COVERED. WE MAKE IT EASY.</strong>urn:uuid:6482abed-cde3-4001-a19b-9c6f77a85976http://www.fostergrace.com/blog/space-heater-safety-tips-stay-safe-and-warm.aspxSpace Heater Safety Tips- Stay Safe and Warm This weekend was a little chilly. Did you turn oun your heat? WE HAVE TIPS FOR SPACE HEATER SAFETY! &bull;Choose a heater with a thermostat and overheat protection &bull;Make sure the heater has an auto shut-off to turn the heater off if it t...Mon, 14 Nov 2016 08:32:19 -0600<div data-offset-key="bdmqq-0-0" data-editor="7hj6m" data-block="true">
<div class="_1mf _1mj" data-offset-key="bdmqq-0-0"><span data-offset-key="bdmqq-0-0">This weekend was a little chilly. Did you turn oun your heat? </span></div>
</div>
<div data-offset-key="9ovjl-0-0" data-editor="7hj6m" data-block="true">
<div class="_1mf _1mj" data-offset-key="9ovjl-0-0"><span data-offset-key="9ovjl-0-0">WE HAVE TIPS FOR SPACE HEATER SAFETY!</span></div>
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<div class="_1mf _1mj" data-offset-key="cv68g-0-0"><span data-offset-key="cv68g-0-0">&bull;Choose a heater with a thermostat and overheat protection</span></div>
</div>
<div data-offset-key="8insi-0-0" data-editor="7hj6m" data-block="true">
<div class="_1mf _1mj" data-offset-key="8insi-0-0"><span data-offset-key="8insi-0-0">&bull;Make sure the heater has an auto shut-off to turn the heater off if it tips over</span></div>
</div>
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<div class="_1mf _1mj" data-offset-key="4d8p-0-0"><span data-offset-key="4d8p-0-0">&bull;Purchase a heater with the seal of an independent testing laboratory</span></div>
</div>
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<div class="_1mf _1mj" data-offset-key="2q252-0-0"><span data-offset-key="2q252-0-0">&bull;Keep the heater at least three feet away from anything that can burn, including people</span></div>
</div>
<div data-offset-key="dc1g-0-0" data-editor="7hj6m" data-block="true">
<div class="_1mf _1mj" data-offset-key="dc1g-0-0"><span data-offset-key="dc1g-0-0">&bull;Place the heater on a solid, flat surface</span></div>
</div>
<div data-offset-key="5rd37-0-0" data-editor="7hj6m" data-block="true">
<div class="_1mf _1mj" data-offset-key="5rd37-0-0"><span data-offset-key="5rd37-0-0">&bull;Plug the heater directly into the wall outlet. Never use an extension cord</span></div>
</div>
<div data-offset-key="3bdu2-0-0" data-editor="7hj6m" data-block="true">
<div class="_1mf _1mj" data-offset-key="3bdu2-0-0"><span data-offset-key="3bdu2-0-0">&bull;Keep space heaters out of the way of foot traffic. Never block an exit</span></div>
</div>
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<div class="_1mf _1mj" data-offset-key="fa0lq-0-0"><span data-offset-key="fa0lq-0-0">&bull;Keep children away from the space heater</span></div>
</div>
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<div class="_1mf _1mj" data-offset-key="cgbfk-0-0"><span data-offset-key="cgbfk-0-0">For more information protecting your home and family call us at 704-289-6437. We've got you covered!</span></div>
</div>urn:uuid:751b17da-6780-4df7-a7c3-c2709060aa74http://www.fostergrace.com/blog/spa-bag.aspxSpa Bag!<img src='http://www.fostergrace.com/img/~www.fostergrace.com/Spa%20bag.jpg' align='left' />Our Spa Bag is almost ready!&nbsp; Our Grand Prize winner will receive this Thirty~One bag full of goodies plus other prizes!&nbsp; See our blog "Unbelievably Cute Photo Contest" to see all the details and how to enter! Thu, 13 Oct 2016 13:33:07 -0500Our Spa Bag is almost ready!&nbsp; Our Grand Prize winner will receive this Thirty~One bag full of goodies plus other prizes!&nbsp; See our blog "Unbelievably Cute Photo Contest" to see all the details and how to enter!<br />
<img alt="" src="/img/~www.fostergrace.com/Spa%20bag.jpg" />urn:uuid:7134eeb6-7482-4538-b3c4-bd44dd359876http://www.fostergrace.com/blog/unbelievably-cute-photo-contest.aspxUnbelievably Cute Photo ContestUnbelievably Cute Photo Contest ENTER NOW&nbsp;!! Ages birth to 3 years Enter September 30 through October 31st All entries receive a gift (while supplies last). Top 3 with the most votes win additional prizes. Click for details Unbelievably Cute ...Mon, 03 Oct 2016 10:29:29 -0500<p style="text-align: center;"><span style="font-family: MS Sans Serif;"><strong><em><span style="text-decoration: underline;"><span style="color: #7030a0; font-family: MS Sans Serif; font-size: 32px;">Unbelievably Cute Photo Contest</span> <br />
<span style="color: #7030a0; font-family: MS Sans Serif; font-size: 18px;">ENTER NOW&nbsp;!!</span><br />
</span></em><br />
Ages birth to 3 years<br />
Enter September 30 through October 31st<br />
All entries receive a gift (while supplies last).<br />
Top 3 with the most votes win additional prizes</strong>.<br />
<br />
<strong>Click for details</strong><span style="background-color: #ffff00;"> </span><a href="/img/~www.fostergrace.com/Unbelievably%20Cute%20web%20post.docx"><span style="background-color: #ffff00;"><strong>Unbelievably Cute web post.docx</strong></span></a><br />
<strong>Email pictures to </strong><a href="mailto:candy@fostergrace.com"><strong>candy@fostergrace.com</strong></a><strong>&nbsp;Reference in the subject line 'Photo' and child's name</strong>.<br />
<br />
<a href="/insurance/unbelievably_cute_photo_contest.aspx"><span style="color: #31859b; font-size: 48px; background-color: #ffff00;"><em>ENTER HERE</em></span></a></span></p>urn:uuid:b807d995-d4b9-41bd-b343-fda0d9e0c585http://www.fostergrace.com/blog/classic-cars-trucks.aspxClassic Cars & Trucks!<img src='http://www.fostergrace.com/img/~www.fostergrace.com/Blackmon%20truck.jpg' align='left' /> Another AWESOME ride and another awesome client! Thanks to Don &amp; Angie Blackmon for letting us insure your classic truck. I think we need to have an online car/truck show!! If you have a classic ride you want to make sure is covered correctly a...Wed, 28 Sep 2016 06:51:20 -0500<img alt="" width="639" height="325" style="width: 611px; height: 317px;" src="/img/~www.fostergrace.com/Blackmon%20truck.jpg" />
<p>Another AWESOME ride and another awesome client! Thanks to Don &amp; Angie Blackmon for letting us insure your classic truck. I think we need to have an online car/truck show!!<br />
<br />
If you have a classic ride you want to make sure is covered correctly and at a great price give us a call.&nbsp;&nbsp; We write in NC &amp; SC.&nbsp; <br />
<br />
704~289~6437</p>urn:uuid:2a8756a7-4490-40bd-a467-81abdbb556ddhttp://www.fostergrace.com/blog/tip--8-back-to-school-safety-tips-for-drivers.aspxTip # 8 Back to School Safety Tips for DriversTip # 8&nbsp;- Schools Back In!&nbsp; Watch out for children on the road. According to the National Safe Routes to School program more children are hit by vehicles close to schools than at any other location. If you are dropping off make sure you kno...Tue, 30 Aug 2016 19:42:41 -0500<h2 class="ExternalClass62BF17B169184D2CB0AB87393D46D63B">Tip # 8&nbsp;- Schools Back In!&nbsp; Watch out for children on the road.</h2>
<h2 class="ExternalClass62BF17B169184D2CB0AB87393D46D63B"><span style="font-size: 18px;">According to the National Safe Routes to School program more children are hit by vehicles close to schools than at any other location.</span></h2>
<h2 class="ExternalClass62BF17B169184D2CB0AB87393D46D63B"><span style="font-size: 18px;">If you are dropping off make sure you know the drop-off procedures for the school.&nbsp; <br />
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Tips for all school zones:<br />
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Don't double park as it will block visibility for other cars and children.<br />
Don't pick up or drop off children across the street from the school.<br />
Carpool to reduce the number of vehicles at the school.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="font-size: 18px;">Don't rush.&nbsp; Get up that extra 5 minutes early to make for a stress free morning and drop off.<br />
<br />
More tips to come....<br />
<br />
Stay safe.</span></h2>urn:uuid:1b33ea5d-6720-4d8c-b576-2c2067e22b07http://www.fostergrace.com/blog/tip--8-back-to-school-safety-tips-for-drivers.aspxTip # 8 Back to School Safety Tips for DriversTip # 8&nbsp;- Schools Back In!&nbsp; Watch out for children on the road. According to the National Safe Routes to School program more children are hit by vehicles close to schools than at any other location. If you are dropping off make sure you kno...Tue, 30 Aug 2016 19:42:41 -0500<h2 class="ExternalClass62BF17B169184D2CB0AB87393D46D63B">Tip # 8&nbsp;- Schools Back In!&nbsp; Watch out for children on the road.</h2>
<h2 class="ExternalClass62BF17B169184D2CB0AB87393D46D63B"><span style="font-size: 18px;">According to the National Safe Routes to School program more children are hit by vehicles close to schools than at any other location.</span></h2>
<h2 class="ExternalClass62BF17B169184D2CB0AB87393D46D63B"><span style="font-size: 18px;">If you are dropping off make sure you know the drop-off procedures for the school.&nbsp; <br />
<br />
Tips for all school zones:<br />
<br />
Don't double park as it will block visibility for other cars and children.<br />
Don't pick up or drop off children across the street from the school.<br />
Carpool to reduce the number of vehicles at the school.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="font-size: 18px;">Don't rush.&nbsp; Get up that extra 5 minutes early to make for a stress free morning and drop off.<br />
<br />
More tips to come....<br />
<br />
Stay safe.</span></h2>urn:uuid:8d693c3d-27f9-4e36-83f3-e39c9492b14bhttp://www.fostergrace.com/blog/and-the-winner-is--tip-7.aspxAND THE WINNER IS.... Tip #7Refer a Friend for Your Chance to Win $500. The winner has been drawn!&nbsp; Stay tuned to find out who won the $500!&nbsp;&nbsp; Weren't entered??&nbsp; Don't worry.&nbsp; We will have another drawing in December.&nbsp; Send us a referral.&nbsp; Th...Fri, 26 Aug 2016 09:40:46 -0500<span style="font-size: 18px;">Refer a Friend for Your Chance to Win $500.<br />
<br />
The winner has been drawn!&nbsp; Stay tuned to find out who won the $500!&nbsp;&nbsp; Weren't entered??&nbsp; Don't worry.&nbsp; We will have another drawing in December.&nbsp; Send us a referral.&nbsp; They only have to let us quote an insurance policy for them.&nbsp; So as long as we can get enough information from them to do the quote your name will be entered in to win $500.&nbsp; They do not have to purchase the policy or anything else.&nbsp; But we do feel confident that once they experience our personalized serviced and great rates they will want to do business with us.&nbsp; :)<br />
<br />
Feel free to call our office with any questions you may have.&nbsp; 704-289-6437<br />
<br />
Thanks!</span>urn:uuid:45f3b1b2-8a9e-4da5-9571-e673f97c4d76http://www.fostergrace.com/blog/tip-6--why-have-an-individual-life-policy.aspxTip # 6 - Why Have an Individual Life PolicyIt is a GREAT benefit if you have life insurance through your employer however this isn't enough.&nbsp; Often times people don't know how much life insurance they have with their employer.&nbsp; Usually it is a modest flat amount and the coverage end...Fri, 19 Aug 2016 12:13:49 -0500<span style="font-size: 18px;">It is a GREAT benefit if you have life insurance through your employer however this isn't enough.&nbsp; Often times people don't know how much life insurance they have with their employer.&nbsp; Usually it is a modest flat amount and the coverage ends when you leave the company.&nbsp; If the only life policy you have is with your employer that means YOU do not own a life policy yourself.&nbsp; The company controls that policy.&nbsp; It is always best to take one out before you get any older so don't want until you retire to think about life insurance.&nbsp; The rates go up as the person ages.<br />
<br />
If you need help or have questions feel free to give us a call at 704-289-6437.<br />
</span><br />urn:uuid:d2602166-d097-4746-a6b5-edac809e2fachttp://www.fostergrace.com/blog/tip-5--keep-pets-cool.aspxTip # 5 - Keep Pets CoolTip #5:&nbsp;&nbsp; Who Knew??&nbsp; Dogs and Cats can only sweat through the pads of their feet so that is why they can overheat easily.&nbsp; If it's 70 degrees outside, in 30 minutes it will be 104 degrees in your car. &nbsp;As a side note we now...Fri, 19 Aug 2016 12:10:50 -0500<span style="font-size: 18px;">Tip #5:&nbsp;&nbsp; Who Knew??&nbsp; Dogs and Cats can only sweat through the pads of their feet so that is why they can overheat easily.&nbsp; If it's 70 degrees outside, in 30 minutes it will be 104 degrees in your car.<br />
<br />
&nbsp;As a side note we now offer Pet Insurance. Call us at (704)289-6437 if you would like details.&nbsp; </span>urn:uuid:347df8a6-e98c-402f-87cd-bef2c0a79b2fhttp://www.fostergrace.com/blog/tip-4-refer-a-friend-to-win.aspxTip # 4 Refer A Friend to Win!Refer a Friend for your chance to win $500!&nbsp; Our next drawing will be in December.&nbsp; We do not have to write the insurance of the friend or business you refer for you to be entered.&nbsp; All we have to do is be able to get enough informat...Mon, 15 Aug 2016 10:17:23 -0500<span style="color: #0c0c0c; font-size: 24px;">Refer a Friend for your chance to win $500!&nbsp; <br />
<br />
Our next drawing will be in December.&nbsp; We do not have to write the insurance of the friend or business you refer for you to be entered.&nbsp; All we have to do is be able to get enough information from them in order to provide them with a quote.<br />
<br />
If you provide us with their name and contact information and they are willing to let us offer them a FREE quote then your name is entered to WIN the MONEY!<br />
<br />
There is no obligation to purchase anything.&nbsp; Our goal is to help by providing helpful information, getting the client covered correctly and providing fast, friendly service.&nbsp; </span>urn:uuid:b372bb06-cd1c-49a2-94ec-c9c7bbf11b80http://www.fostergrace.com/blog/tip-3--be-happy.aspxTip # 3 Be HappyThis tip has nothing to do with insurance but no one wants to read about insurance every time, right?&nbsp; Life is short.&nbsp; Be happy in the now, where you are right now.&nbsp; If you are healthy and have a roof over your head be thankful.&nbsp...Fri, 12 Aug 2016 12:26:34 -0500This tip has nothing to do with insurance but no one wants to read about insurance every time, right?&nbsp; <br />
<br />
Life is short.&nbsp; Be happy in the now, where you are right now.&nbsp; If you are healthy and have a roof over your head be thankful.&nbsp; Try not to wait for "when I get that promotion", "when I get a new job", "when I get married", "when I get out of school".&nbsp;&nbsp; Life happens and it's not usually exactly how you plan it so don't wait to be happy.<br />
<br />
Happy Friday!&nbsp; I'll get back to Insurance Tips on Monday.&nbsp; Have a great and blessed weekend!<br />
<br />urn:uuid:8395e227-0917-476d-aabb-0784344e6abchttp://www.fostergrace.com/blog/tip-2-emergency.aspxTip #2 EMERGENCYHave an emergency fund.&nbsp; Simple tip but often times we do not put it into action and then it's not there when we need it.&nbsp; When you think of an emergency fund you probably think about a car breaking down, your heating and air unit going out...Wed, 10 Aug 2016 09:53:03 -0500<span style="font-size: 18px;">Have an emergency fund.&nbsp; Simple tip but often times we do not put it into action and then it's not there when we need it.&nbsp; When you think of an emergency fund you probably think about a car breaking down, your heating and air unit going out or something like that.&nbsp; What about a medical emergency?<br />
&nbsp;<br />
<strong>Experts estimate that 50% of the population will get cancer in their lifetime.</strong>&nbsp; You may be thinking "my health insurance will pay for my treatments."&nbsp; Hopefully your health insurance will pay for most of your medical treatments but rarely does&nbsp;a policy pay for 100% of your medical expenses.&nbsp; However the sad part is that with conventional treatments there will most likely be times you will not feel like working or be able to work.&nbsp; <br />
<br />
If you are self-employed this&nbsp;can be&nbsp;especially hard.&nbsp; If you don't work, you don't&nbsp;make any money to&nbsp;pay for your regular monthly bills (groceries, rent, house payment, car, utilities, expenses for children).<br />
<br />
First, make sure you have a life policy.&nbsp;&nbsp;Even if it is a $10,000 whole life policy&nbsp;just to pay off final expenses that is better than nothing.&nbsp; The reason I put this first is&nbsp;because every&nbsp;year you get older the life insurance will be more expensive.&nbsp;&nbsp;Once a person is diagnosed with an illness like cancer it is extremely hard to get&nbsp;a life policy and the premium will be extremely high.&nbsp; Get&nbsp;a life policy while you are healthy and before you have another birthday...that is the key.<br />
<br />
Next look into a disability policy - especially if you are self employed.&nbsp; Disability policies vary but normally if you are unable to perform the duties of your occupation you can file a&nbsp;claim on your&nbsp;disability policy.<br />
<br />
Last try to save and have a cash emergency fund on hand (or in the&nbsp;bank if&nbsp;you will be tempted to spend it).&nbsp; You can find some great information on&nbsp;saving for an emergency fund on daveramsey.com.&nbsp; You can find even better tips for your&nbsp;health and preventing cancer on thetruthaboutcancer.com.<br />
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If you don't have a life policy&nbsp;yet please give us a call or another independent insurance agent that you trust.&nbsp; This is a subject near and dear to my heart&nbsp;so I&nbsp;hope this will motivate someone out there to be prepared.<br />
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&nbsp;&nbsp;&nbsp;</span>&nbsp;urn:uuid:cfc6a228-ef47-4aa1-978f-b8a40f5501dahttp://www.fostergrace.com/blog/tip-1.aspxTip # 1 Tip #1: Flood Insurance is NOT included in your homeowners policy. Flood insurance is a separate policy. If you live close to a pond, creek, stream or other ...body of water that could rise quickly from a sudden down pour like the one that occurred ...Tue, 09 Aug 2016 19:43:06 -0500<div class="text_exposed_root text_exposed" id="id_57aa79525f6688e42696563">
<p>Tip #1: Flood Insurance is NOT included in your homeowners policy. Flood insurance is a separate policy. If you live close to a pond, creek, stream or other <span class="text_exposed_hide">...</span><span class="text_exposed_show">body of water that could rise quickly from a sudden down pour like the one that occurred in Statesville, NC&nbsp;last week you may want to consider taking out a flood policy.</span></p>
<div class="text_exposed_show">
<p> 1 out of 4 Flood claims is for a home that is NOT in a flood plain.</p>
<p> If you rent or live in a condo you can buy flood insurance for just your possessions.</p>
<p> THINK AHEAD: There is usually a waiting period for a flood policy to take effect once you decide to purchase it.</p>
<p> Comment, email or call us if you have any questions.</p>
<p> Have a Blessed Day!</p>
</div>
</div>urn:uuid:f54c9de4-4969-4930-8d25-3a162e44e44fhttp://www.fostergrace.com/blog/happy-memorial-day.aspxHappy Memorial Day!Our office will be Closed on Monday, May 30th in Observance of Memorial Day. We will reopen on Tuesday, May 31st at 9am and we look forward to serving you!Fri, 27 May 2016 09:43:00 -0500Our office will be Closed on Monday, May 30th in Observance of Memorial Day. We will reopen on Tuesday, May 31st at 9am and we look forward to serving you!urn:uuid:2cec5620-d56d-4cf1-a5a1-bfc23ad940fehttp://www.fostergrace.com/blog/pet-insurance.aspxPet InsuranceFoster Grace Insurance is now offering Pet Insurance.&nbsp; Call us for your free quote today! Fri, 13 May 2016 15:32:19 -0500Foster Grace Insurance is now offering Pet Insurance.&nbsp; Call us for your free quote today!<br />
<br />urn:uuid:5de16cfe-16b7-4516-9cc5-f46f152086a2http://www.fostergrace.com/blog/free-shred-event-31216.aspxFREE Shred Event 3/12/16You're Invited to A Shred Event Saturday, March 12th, 2016 Sponsored by: Foster Grace Insurance Agency, Inc. FREE Shred Event in front of our office at 122 S Main Street Downtown, Monroe. A secure, easy way to dispose of your personal documents yo...Thu, 03 Mar 2016 14:22:06 -0600<span style="background-color: #00b0f0;"><span style="color: #00b0f0;"><span style="color: #000000; font-family: MS Sans Serif; background-color: #4bacc6;"><strong><span style="font-size: 24px;"><span style="background-color: #4bacc6;">You're Invited to A Shred Event<br />
Saturday, March 12th, 2016<br />
<br />
Sponsored by:<br />
Foster Grace Insurance Agency, Inc.<br />
<br />
FREE Shred Event in front of our office at 122 S Main Street<br />
Downtown, Monroe.</span><br />
</span><br />
</strong></span><span style="font-size: 24px;"><span style="color: #000000; font-family: MS Sans Serif; background-color: #4bacc6;"><strong>A secure, easy way to dispose of your personal documents you no longer need - free of charge.</strong></span><br />
</span></span><br />
</span>urn:uuid:7b459742-c2cf-43eb-bf20-3e3ff259a846http://www.fostergrace.com/blog/union-county-chamber-of-commerce.aspxUnion County Chamber of Commercehttp://members.unioncountycoc.com/list/member/foster-grace-insurance-agency-429 Check out our member page on the Union County Chamber website.&nbsp; We love our Chamber!&nbsp; They have great networking opportunities throughout the year but the best...Mon, 01 Feb 2016 14:02:02 -0600<a href="http://members.unioncountycoc.com/list/member/foster-grace-insurance-agency-429">http://members.unioncountycoc.com/list/member/foster-grace-insurance-agency-429</a><br />
<br />
Check out our member page on the Union County Chamber website.&nbsp; We love our Chamber!&nbsp; They have great networking opportunities throughout the year but the best part is the people!&nbsp; They are all genuinely nice, enthusiast and always willing to help!<br />
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If you aren't a member you are missing out.&nbsp; Call Nancy at the Chamber and she can tell you about their memberships.&nbsp; And I don't make anything off this.&nbsp; I just really do like what they do and how they treat everyone.<br />
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Have a great day!<br />
<br />
<br />urn:uuid:b8ef0625-1841-4825-976d-e49d032c967dhttp://www.fostergrace.com/blog/wixe.aspxWIXEListen for our ad on WIXE the Mighty 1190am.&nbsp; We are a sponsor of the Swap Shop every Monday - Friday from 10:00am to 11:30am.&nbsp; Let us know if you hear our commercial! Thanks!Tue, 19 May 2015 09:36:04 -0500Listen for our ad on WIXE the Mighty 1190am.&nbsp; We are a sponsor of the Swap Shop every Monday - Friday from 10:00am to 11:30am.&nbsp; Let us know if you hear our commercial!<br />
<br />
Thanks!urn:uuid:06104d2b-2d64-4e80-843e-dab8d8794c0dhttp://www.fostergrace.com/blog/free_shred_event.aspxFREE Shred Event You're Invited to A Shred Event &nbsp;&nbsp;&nbsp; Saturday, March 7th, 2015 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10 am - NOON &nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;...Thu, 05 Mar 2015 17:54:01 -0600<b>
<p style="text-align: left;">You're Invited to A Shred Event</p>
<p style="text-align: left;">&nbsp;&nbsp;&nbsp; Saturday, March 7th, 2015</p>
<p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10 am - NOON<br />
&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Rain or Shine</p>
</b><b><i>
<p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sponsored by:</p>
</i></b>
<p style="text-align: left;"><i><b>Foster Grace Insurance Agency Inc.</b></i></p>
<p style="text-align: left;"></p>
<p style="text-align: left;">We will be sponsoring a <b>FREE </b>Shred Event</p>
<p style="text-align: left;">in front of our office at <b>122 S Main Street</b></p>
<b> </b>
<p style="text-align: left;">downtown Monroe. We've teamed up with</p>
<p style="text-align: left;">ProShred to provide you with a secure, easy way</p>
<p>to dispose of your personal documents - free of charge.<br />
<br />
<em>Also Enter for a chance to win gift certificates from local restaurants downtown Monroe.</em><br />
<br />
</p>urn:uuid:2db65c44-4c87-487d-91b6-e4d605d4f7adhttp://www.fostergrace.com/blog/2015/01/11/broken-hearted.aspxBroken HeartedThis is such an important topic.&nbsp; It's hard to put this into words that will stress how important this can be but I am going to try.&nbsp; I have learned this from personally watching my family struggle. Life insurance is not a waste of money.&...Sun, 11 Jan 2015 19:09:41 -0600<div id="yui_3_16_0_1_1421025021780_2359" style="color: #000000; background-color: #ffffff;"><span style="font-size: 18px;">This is such an important topic.&nbsp; It's hard to put this into words that will stress how important this can be but I am going to try.&nbsp; I have learned this from personally watching my family struggle.<br />
<br />
Life insurance is <strong>not</strong> a waste of money.&nbsp; Life insurance gives quality of life to the ones you leave behind.&nbsp; Life insurance can make the difference between keeping the peace in a family or having it damaged and having someone hurt and left bitter.<br />
<br />
If you have lost someone you love you know how painful it is.&nbsp; Now think if something happened to you who would you leave hurting.&nbsp; Would you want to make it a little easier on them?&nbsp; They don't need to be worrying about how to pay for the funeral cost.&nbsp; There doesn't need to be one sibling that won't pitch in and leaves it to the other siblings to pay the funeral cost.&nbsp; They don't need to have to think about how the mortgage will be paid.&nbsp; They don't need to worry about the unexpected hospital bills.&nbsp; What about college for your children?&nbsp; There are different expenses depending on your individual circumstances but everyone has some kind of expenses that they will be leaving behind.<br />
<br />
I don't mean you need to leave your family a huge amount of life insurance so they can retire.&nbsp; But what you should do is have enough life insurance to <strong>at least</strong>&nbsp;pay for your final expenses.&nbsp;&nbsp;<br />
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If you have young children you should have&nbsp;enough life insurance to help take care of them.&nbsp; Think&nbsp;also about&nbsp;money they can use for college.&nbsp; A good policy for a parent with young children is a term life policy.&nbsp; They are less expensive than a whole life policy&nbsp;and you can purchase a 10, 20 and sometimes even a 30&nbsp;year term that will cover those years while your children are growing up.<br />
<br />
If you are young you should take out a small whole life policy that you&nbsp;can afford and plan to keep it your "whole life".&nbsp;&nbsp;That way even when your mortgage is paid off and your children are grown you will have that policy to cover final expenses.&nbsp; The best time to start a&nbsp;life policy is when you are young and healthy.&nbsp; Life&nbsp;insurance gets more expensive as you get older and usually, not&nbsp;if, but when&nbsp;you&nbsp;develop health problems.&nbsp;&nbsp;Get those rates locked in now.<br />
<br />
It's not about selling you a life policy.&nbsp; It's about being responsible and having peace of mind.&nbsp; It's about not leaving someone more broken hearted.&nbsp; Let your loved ones know you loved them by letting them have time to grieve for&nbsp;YOU and not&nbsp;over finances.&nbsp; <br />
<br />
If you would like a free&nbsp;quote with no pressure and no obligation give us a call.&nbsp; We will just give you the facts and answer any questions you may have.&nbsp;&nbsp;<br />
</span>
<p><i><span style="color: black;">Foster Grace Insurance Agency Inc</span></i></p>
<p><i><span style="color: black;">Fostergrace.com</span></i></p>
<p><span style="color: black;">122 S Main St</span></p>
<p><span style="color: black;">Monroe, NC&nbsp; 28112</span></p>
<p>(704)289-6437 phone</p>
<p><span style="color: #1f497d;"><img width="160" height="93" id="_x0000_i1026" alt="FosterGrace2" src="https://wm.insurancewebsitebuilder.com/a/attachments/INBOX/4186/2?wsid=607b0d7b1710bdd7839c2f0988e6843b5c4b9038" /></span></p>
<p><i><span style="color: black;">&nbsp;</span></i></p>
<p><span style="color: black;"></span></p>
</div>urn:uuid:4149f31f-4492-446b-a01e-a36afdedb124http://www.fostergrace.com/blog/2015/01/05/are-you-ready-for-2015.aspxAre You Ready for 2015?January is a good time to review your insurance policies.&nbsp; You may be able to save money by simply reviewing the coverage's you have and making changes to your deductibles.&nbsp; Keep in mind that your homeowners insurance is not for maintenance...Mon, 05 Jan 2015 18:31:12 -0600<span style="font-family: Times New Roman; font-size: 18px;">January is a good time to review your insurance policies.&nbsp; You may be able to save money by simply reviewing the coverage's you have and making changes to your deductibles.&nbsp; Keep in mind that your homeowners insurance is not for maintenance of your home.&nbsp; If you have water damage, for example, that is caused&nbsp;from&nbsp;water that has been leaking for a long time most likely&nbsp;it will not be covered by your&nbsp;homeowners policy.&nbsp; Water damage is covered from a sudden or accidental loss.&nbsp; <br />
<br />
With this in mind do you feel your current deductible may be too low?&nbsp; Talk to your local independent insurance agent to find out the different amounts available for your deductible.<br />
<br />
Financial advisor, Dave Ramsey, suggests that you have a cash&nbsp;emergency fund set aside for emergency's such as home repairs.&nbsp; If you&nbsp;have an emergency fund set aside you will have money to cover&nbsp;your deductible if you should have a claim.&nbsp; He also suggests that you have a deductible as high as you can afford.&nbsp; Think about having a yard sale to get a jump on saving an emergency fund.<br />
<br />
Happy New Year and here's wishing you a prosperous 2015!</span><br />
<br />
<br />
<br />urn:uuid:16638671-7a54-4207-9678-0a097bd439e2http://www.fostergrace.com/blog/2014/11/17/marketplace-open-enrollment-free-help-event.aspxMarketplace Open Enrollment Free Help Event&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb...Mon, 17 Nov 2014 12:51:08 -0600<p style="margin: 0in 0in 0pt;">&nbsp;</p>
<p style="margin: 0in 0in 0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<b><span>Marketplace Open Enrollment</span></b></p>
<p style="margin: 0in 0in 0pt; text-align: center;"><span>&nbsp;</span></p>
<p style="margin: 0in 0in 0pt; text-align: center;"><span>Our Health Care Specialist Will Be Here</span></p>
<p style="margin: 0in 0in 0pt; text-align: center;"><span>Wednesday, November 19<sup>th</sup> &amp; </span></p>
<p style="margin: 0in 0in 0pt; text-align: center;"><span>Wednesday November 26<sup>th</sup></span></p>
<p style="margin: 0in 0in 0pt; text-align: center;"><span>10:00 am to 2:00pm</span></p>
<p style="margin: 0in 0in 0pt; text-align: center;"><span>&nbsp;</span></p>
<p style="margin: 0in 0in 0pt; text-align: center;"><span>Come by with questions or help enrolling for </span></p>
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